Sr. Underwriter - Real Estate - Siemens Financial Services

Siemens Financial Services Inc (SFS), Project Structure Americas (PS-AM) is hiring a Senior Underwriter – Real Estate to be responsible for end-to-end new business analysis and execution and portfolio management for Structured Finance Risk Management team.
You will be responsible for reviewing and underwriting new healthcare real estate transactions using sound credit and structure analysis while managing a portfolio of closed and funded transactions for SFS. You will also be managing the adherence to all mandated SFS Credit Policies and Guidelines in the credit and structure analysis of prospective new transactions and include property/market site visits and meet with tenants and borrowers.
We need you to have knowledge and understanding of the Healthcare sector and current on industry drivers and issues. Preferably, experience with financial equity sponsors and highly structured commercial loan transactions.
Essential Job Functions (necessary to perform job):Excellent analytical skills in commercial loan transactions, with an emphasis on healthcare commercial real estate. Ability to assess hybrid opportunities that evaluate underlying tenant cash flow as well as real property valuation.Extensive healthcare industry sector expertise with a strong understanding of all key industry risk drivers; including construction, asset appraisals, operations and maintenance, counterparty, contractual agreements, sponsor/equity, and market risks.Excellent ability to understand and interpret highly technical data and information, with the further ability to present the information in a clear, concise and non-technical manner to allow approval authorities to be able to efficiently reach a decision on prospective financing requests.Excellent cash flow modeling skills, including the ability to appropriately build and sensitize financial models. Strong ability to analyze and interpret cash flow model data. Appropriately analyze all projection assumptions and justifications. Conclude if projections are realistic and the ability for the borrower to attain projected results; Experience with corporate cash flow modeling is preferred.Lead deal packaging/submittal process by authoring the Credit Report and other appropriate underwriting documents for approval or presentation to the appropriate lending authority committee.As part of the ongoing review and monitoring process; gather and evaluate client information, compare to industry benchmarks, analyze third party information, assess risk and recommend credit levels, financing structures and documentation requirements within standards and following risk management policies;Ensure all SFS risk management guidelines are adhered to and exceptions documented;Excellent verbal and written communication skills.Read and negotiate loan documents and loan terms with SFS borrowers.Assist in the oversight of the documentation/contracting and funding/booking processes, including resolving any open items and ensuring all credit conditions are satisfied prior to funding;Be responsive and provide ongoing support to the sales, marketing and business development personnel;Develop strong working relationships with other operational disciplines (Legal, Loan Operations, Asset Management, Collections, Tax, Accounting);Attend industry seminars and courses focused on credit skills, financial statement analysis, portfolio management, project finance and the Healthcare and Real Estate industries.You will win us over with these qualifications:10 years underwriting and portfolio management experience in commercial loan transactions, with minimum.5 years' experience in commercial real estate credit analysis and portfolio management.Familiarity with commercial loan documentation, due diligence and closing processes.Demonstrated experience negotiating, underwriting, and closing commercial loans used for acquisition and construction transactions. Commercial real estate transactions are preferred.Minimum 4-year college degree with a focus on Finance, Business Administration or Accounting.Demonstrate a comprehensive overall knowledge of credit, audit, and portfolio management as well as a general understanding of new business development and loan administration.Excellent verbal and written communication skills including ability to interact effectively with all levels of management.Ability to travel 15-20%.Must be authorized to work in the United States without sponsorship.Preferred Qualifications:MBA preferred or sufficient additional industry experience.Completed formal bank credit training program.Benefits and Perks:Siemens offers a variety of health and wellness benefits to our employees. Details regarding our benefits can be found here: https://www.benefitsquickstart.com/siemens/index.htmlThe pay range for this position is $132,650 - $227,400 plus incentive. The actual wage offered may be lower or higher depending on budget and candidate experience, knowledge, skills, qualifications, and premium geographic location.Create a better #TomorrowWithUs
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